How to check your Credit Card application status
3 min read
Mar 5, 2024
When you apply for a Credit Card, it's a big step in managing your finances. However, waiting for approval can be stressful and hence, it is important to check your application status. Tracking your application is straightforward, thanks to the streamlined and effective procedures offered by modern banking systems.
Check Credit Card status
Keeping track of your Credit Card application status is a must: knowing whether your application is under review, approved, or requires further action helps in wisely planning your next steps. Financial institutions provide various user-friendly platforms for applicants to effortlessly check their card status. These include online portals, customer care helplines, SMS updates, and in-person branch visits.
There are two primary ways to apply for a Credit Card:
Online mode
In the digital era, the application process is just a matter of clicks. By visiting the official website or mobile application of your chosen bank, you can select the Credit Card that aligns with your financial goals, fill out the application form with your details, and submit it online.
Offline mode
For those who prefer a personal experience, applying for a Credit Card offline is the option. This involves visiting a bank branch, filling out the application form manually, and submitting it along with the required documentation.
Different ways to check Credit Card application status
Banks have made it easier to check your Credit Card status through convenient channels. You can effortlessly track your application's progress using the bank's online portal by simply entering your application ID, which will give you real-time updates.
For those lacking internet access or preferring personal interaction, customer care helplines offer a direct line to inquire about your status. Moreover, banks facilitate an SMS query service, allowing a quick status check via a text message. Visiting your nearest bank branch is also an option if you want a detailed update or when you face complex application scenarios.
Tracking Credit Card application status online
To check the Credit Card status online, visit the issuing bank's official website. Go to the Credit Card section and find the option for application status. Next, enter your application reference number or registered mobile number and possibly a security code or OTP for verification.
After submission, the system will display the Credit Card application status instantly, allowing you to see whether it is in process, approved, dispatched, or requires further information.
Checking Credit Card application status offline
Through customer care
Call the bank's customer service, provide your application reference ID, and request for your Credit Card application's progress. This method is quick and provides immediate feedback.
Visiting the branch
Visit your nearest bank branch with your application reference ID. A bank official will update you on the application's status, addressing any queries.
Via SMS
Send a specific SMS code, along with your application reference, to the bank's designated number. You'll receive an update, making it easy to check the status of a Credit Card application anytime, anywhere.
Results to expect from Credit Card application status
In process
Your application is under review. It's moving through the necessary checks and verifications.
Dispatched
Your Credit Card has been issued and is on its way to you. Expect its arrival shortly.
On-hold
Additional information or documentation is required from your side. Promptly responding can help quicken the process.
Rejected
Unfortunately, your application hasn't met the criteria set by the bank. Find the reasons for better preparation in future applications.
No records
The bank has no record of your application. This could be due to incorrect information provided during the Credit Card application process or an entry error. Double-check your details and try again.
Key points before applying for a Credit Card
1. Eligibility criteria: Ensure you meet the age, income, and credit score requirements.
2. Interest rates: Understand the interest rates applied to purchases, cash advances, and balance transfers.
3. Fees and charges: Be aware of annual fees, late payment fees, and foreign transaction fees.
4. Rewards and benefits: Evaluate the rewards, cashback, and benefits to ensure they align with your spending habits.
5. Credit limit: Know the initial credit limit and how it can affect your spending and credit utilisation ratio.
6. Terms and conditions: Read the fine print for any additional clauses or conditions.
Embrace the opportunities that come with Axis Bank Credit Cards. From generous rewards on everyday spending to luxury travel perks and dining discounts, each card is a gateway to a richer experience.
Also Read: 5 quick ways to check Credit Card balance
FAQs
How long is the processing of Credit Cards?
The processing time can vary between banks but typically takes about 7-14 working days.
What does it mean when your Credit Card application status says ‘No Records' found?
It may indicate a mismatch in the details provided or that your application is yet to be processed.
How do I check the Credit Card application status using the application number?
Enter your application number on the bank's website under the 'Check Application Status' section.
What should I do before the Credit Card application so that it does not get rejected?
Ensure you meet the eligibility criteria, have a stable income, and maintain a good credit score.
How do I follow up on a Credit Card application?
Follow up through customer care, SMS services, or by visiting the bank branch with your application reference number.
Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision.
